Protect Your Retirement with Guaranteed Growth & Income for Life
We offer a broad range of competitive annuities. That allows you to find a solution whether you want to accumulate assets, generate income for retirement or leave a legacy for loved ones.
Secure Your Retirement with Stability and Income Options
Explore how a Fixed Indexed Annuity may help protect your savings from market downturns while offering tax-deferred growth potential. It can also provide options for a steady income stream designed to support you throughout retirement.
Protection from Market Downturns
Tax-Deferred Growth Potential
Income Options That Can Last Through Retirement
Comparing Annuities
How a Fixed Indexed Annuity Works
A Fixed Indexed Annuity (FIA) is an insurance product that offers growth potential tied to a market index while helping protect your principal from market losses. It allows you to benefit from market-linked gains without the risk of negative returns.
FIA -Fixed Index Annuity
An FIA provides growth based on a fixed interest rate and/or a market index, such as the S&P 500. It includes a guaranteed 0% floor, meaning your account will not lose value due to market downturns. Even when the market declines, your original balance remains protected.
Fixed Annuity
A fixed annuity offers growth at a guaranteed interest rate for a set period, typically with an initial 1–3 year rate guarantee. Many products allow flexible premium contributions over time while avoiding exposure to stock market volatility.
MYGAs: Multi-Year Guaranteed Annuities
MYGAs are a type of fixed annuity that provide a guaranteed interest rate for a specified multi-year term—commonly 2, 3, 5, 7, or 10 years. Similar to a certificate of deposit (CD), they offer predictable returns, but with the added benefit of tax-deferred growth. Like other fixed annuities, MYGAs are not subject to stock market fluctuations.
SPIAs: Single Premium Immediate Annuities
SPIAs convert a lump-sum premium into a guaranteed income stream that begins almost immediately—typically within 30 days of purchase. Unlike deferred annuities, SPIAs do not include an accumulation phase. Instead, they are designed to provide predictable income for a set period or for life.
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Move funds from savings or qualified accounts—such as a 401(k), 403(b), IRA, TSP, or 457—into your Fixed Indexed Annuity. Typically, there are no upfront charges on the initial premium.
Your account value is tied to the performance of a market index (such as the S&P 500), providing growth potential. When the index increases, interest may be credited based on a portion of those gains.
A key feature is protection from market losses. If the index declines, your account value is not reduced due to market performance, and any credited interest is generally locked in periodically.
When you choose, you can elect an income option that provides regular payments designed to last throughout your lifetime, regardless of market conditions.